Research On The Development Of Yanbian Post's Agency Financial Business

Jinlin Postal Corporation Yan’ bian Branch shoulders the responsibility of universal postal services and industrial management of the whole prefecture.Since the beginning of 2016,China has entered the“13th Five Year Plan”.The next five years will be a critical period of important opportunities and transformation of the development of the postal services in Yan’ bian.Postal finance agency business is the“knock-out" business of the postal enterprises,and it is the foundation and guarantee to boost the confidence index and the happiness index of the employees and to achieve sustainable development of the enterprises.Postal finance agency business has become the mainstay business and the“rice bowl”project for the current postal enterprises.It makes an important contribution to the revenue of the Yan’ bian postal enterprises and has taken up half of the total revenue.Its revenue has become a key source to support the revenue of the Yan’ bian postal industry nowadays and in the near future.Postal finance agency business in Yanbian confronts complicated Micro environment and intense market competition.In terms of Micro environment,as the People’ s Bank of China continuingly adjusts the reserve rate,competition in financial market has been intensified.Every commercial bank has devoted itself in gaining market share as the competition of Yanbian financial market gets intensified.They place considerable value on the scale of balance and finance business,therefore more attention and consideration should be attracted to the Yanbian postal finance agency business under such serious competition.Taking the analysis of China postal finance agency business as an entry point,this article firstly accesses the influence that the change of interest market has brought on the interest rate adjustment of postal finance agency business and the influence from the social environment and technology revolution of China postal finance agency business by getting to know the monitoring policy on postal finance agency business.In the second place,the article analyses the development of Yanbian postal finance agency business.By breaking down the structure of Yanbian postal finance agency business,the status of development and revenue generating is understood;the process of how each of the businesses has changed through is studied by the data analysis.The flaws of the development have then been identified,and the solutions are proposed to upgrading the internal structure of postal finance agency business in order to put forward the objectives of efficiently promoting postal finance agency business.Thirdly,by analyzing Yanbian Market environment and Yanbian finance institutions,the article studies that market shares that Yanbian Postal agent finance service business has gained under Yanbian finance environment and each commercial bank’ s balance scale.It then finds out the problems that Yanbian post agent finance service confronts under the current environment.Using SWOT analyzing method,the disadvantages of Yanbian postal agent finance service business are found out,and the advantages of Yanbian postal agent finance service business becomes clear.Therefore an appropriate way of development for Yanbian postal agent finance service business will be located.Ultimately,based on the analysis above,solutions and suggestions to the problems that Yanbian postal agent financial service business faces are proposed to appropriately fit the characteristics of Yanbian postal agent financial service business.Also a sustained performance review mechanism is upgraded through breaking up the branch distribution system and building multi-dimension sales system.Meanwhile suggestions of updating service and teamwork are made based on the characteristics of traditional postal services.